The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Different kinds of policies. 1  Term policy âIf your relative had a term life insurance policy, and they died during the term and paid their premiums, the named beneficiary will receive their death benefits. 2  If they died outside of the term or failed to pay their premiums, you won't receive anything.ere's what to do if a life insurance policy is missing: Let Insurance.com help you find affordable life insurance now. 1  Look through canceled checks or go to the relative's bank and request copies of any old checks. 2  When reviewing the checks, see if there are any made out to life insurance companies.